Our Individual Financial Planning service is designed to help you take control of your financial future with confidence and clarity. Whether you're just starting out, planning for retirement, or navigating major life changes, we provide personalized strategies tailored to your unique goals and circumstances. Please choose one of the following advisory options: 1.Comprehensive Financial Review: An in depth assessment of your current financial situation, including income, expenses, assets, and liabilities. 2.Goal Setting & Strategy Development: Clear, actionable plans aligned with your short-term needs and long-term objectives. 3.Budgeting & Cash Flow Management: Tools and guidance to manage your money efficiently and make informed spending decisions. 4.Risk Management: Review of insurance needs and recommendations to protect your assets and loved ones. 5.Investment Planning: Portfolio recommendations based on your risk tolerance, time horizon, and financial goals. 6.Tax Planning: Techniques to minimize tax liabilities and maximize savings within legal frameworks. 7.Retirement Planning: Strategies to build a sustainable retirement income, and pension analysis. My Services will be Charged on % from Net Assets. We agreed on a fee of 0,25% from Net Assets or minimum IDR 6.500.000 after Tax charged Periodically.

Before we start, we will need:

Full name, date of birth, and contact details Marital status and number of dependents Employment details (job title, income, benefits) All sources of income (salary, bonuses, rental, investments) Monthly​/​annual household expenses (fixed and variable) Tax returns (last 1–2 years, for accuracy and planning) Bank account balances (checking, savings, money market) Investment accounts (brokerage, mutual funds, stocks​/​bonds) Credit cards (balances and interest rates) Loans (mortgages, student, auto, personal) Others Assets or Liabilities Life insurance (term, whole, group policies) Health, disability, and long-term care insurance Home, auto, and liability insurance

What we'll do for you is:

Understand Your Finances: We start by reviewing your income, expenses, assets, and goals. Set Clear Goals: Together, we’ll define what you want to achieve financially. Create a Personalized Plan: You’ll receive a tailored roadmap for saving, investing, and managing your money. Improve Cash Flow & Budgeting: We’ll help you take control of your day-to-day spending and savings. Protect What Matters: We review your insurance needs to guard against life’s risks. Build Smart Investments: Your portfolio will be aligned with your goals and risk tolerance. Minimize Taxes: We’ll explore strategies to reduce your tax burden. Plan for Retirement: We’ll ensure you’re on track for a secure retirement.

What we'll ultimately deliver, and when:

Report in PDF​/​PPT related to Custom Financial Plan: A clear roadmap tailored to your goals. Net Worth & Budget Snapshot: Overview of your finances and spending. Insurance & Risk Review: Protection recommendations for you and your family. Investment Strategy: Portfolio aligned with your risk and timeline. Tax & Guidance: Strategies to minimize taxes and plan your legacy. Retirement Planning: Forecast and plan for a secure future.